Why are some protection claims declined?

For protection policies only

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We may decline to pay a protection claim if you've been diagnosed with an illness that's covered in our policies, but you don't yet meet the definition. If we've declined your claim because it's too early, you'll still be able to claim if your illness progresses and meets the definition.

We may also decline a claim if we become aware that the medical information you gave us when you applied for insurance was incorrect. This is known as misrepresentation, as it would have affected the terms we were able to offer you when you applied for insurance with us.